Qonto Insights

The pulse of European business

Proprietary economic intelligence from the real financial activity of hundreds of thousands of European SMEs across France, Germany, Italy, and Spain.
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Discover the indexes

Get the latest signals that official statistics might miss.

€34.46
average monthly spend on AI tools
18.5 days
median cash runway

Cash Buffer Index

Predicts businesses' financial runway

Cash Buffer

AI Adoption Index

Tracks AI tool subscriptions & cost

AI Adoption Mistral ChatGPT Claude Notion

Late Payments Index

Measures late invoice payments rates 

Late Payments

International Transactions Index

Explores the value and volume of cross-border payments

International Transfers

Last update: September 2026

Updated monthly

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